Bespoke Insurance schemes for your members

Benefits of the Balens Health and Well-Being Professionals Liability Insurance Policy:

The Balens Professional Liability & Malpractice insurance policy has been designed for Health and Well-Being Professionals / Therapists / Practitioners that provide advice, treatment, activities and / or therapies to members of the public. The policy has the following areas of cover:

• £4m / £6m* Professional Liability Cover

  This covers your legal liability for any breach of your professional duty due to a negligent act, error or omission committed or alleged to have been committed. The limit of liability selected will apply to any one claim and will cover an unlimited number of claims per policy year.

  * Higher limits of indemnity are available upon request, please contact us for details

• £4m / £6m* Public Liability Cover

  This covers your legal liability for accidental injury to any third party and or their property through acts of negligence. The limit of liability selected will apply to any one claim and will cover an unlimited number of claims per policy year.

  * Higher limits of indemnity are available upon request, please contact us for details

• £4m / £6m* Products Liability Cover

  This covers your legal liability for accidental injury to any third party and / or their property through the use, sale and / or distribution of defective products. The limit of liability is for all claims during the year (aggregate) and covers an unlimited number of claims up to the limit of liability. This cover includes sale or distribution of products to your own clients connected with the therapies / activities that we insure. A turnover restriction of £30,000 applies for sales to non-clients in any one year. We have a separate Health Products Policy should your additional sales exceed this limit.

  Read more

  * Higher limits of indemnity are available upon request, please contact us for details

• Retrospective extension

  The Balens Health Professionals Liability Policy has an extension for all previous work performed, and will cover claims arising during this period provided there was an insurance policy in place at the time that the work was carried out, it does not have to be ours. 

  There is a requirement that any claim made under this area of cover is first notified to you during the period of insurance with us and the previous insurance policy in force at the time of the event will not respond. Full details of any previous policy must be provided in the event of a claim.

• Peace of Mind after you cease trading

  The Balens Health Professionals Liability Policy is on a claims occurring basis. A major benefit of this type of wording is that any work performed when the policy was in force will be covered now and at any point in the future, this is subject to the terms and conditions of the policy. There is no need to purchase additional run-off cover which would be required on a claims made wording, and can be quite costly. 

• Cover for Temporary work abroad (USA and Canada by referral)
• Can include over 3,500 different therapies / activities within the one policy

  Subject to qualification, many at no additional premium! We are regularly reviewing and including new modalities or techniques, so please contact us if required.

• Teaching covered as standard

  Including training and running workshops – Cover for you undertaking the above activities is provided under the standard policy so long as you are not issuing a certificate of competency. In cases where a certificate of competency is issued, we can offer a training extension that covers a turnover of up to £20,000 per annum and / or 40 students, including issuing of certification. A separate Training Schools policy is also available should your needs extend beyond these limits.

  Read more

• Pre-disciplinary hearings legal advice up to £1500

  Any one occurrence, to cover costs and expenses when preparing a response to allegations of unprofessional conduct or behaviour.

• Significant Conditions and Exclusions

  It is important that you comply with the Conditions and note the Exclusions of cover. The below is only a summary of the principal terms and conditions of cover. Please refer to the policy document for full details.

• Conditions
  • Record keeping – It is extremely important to note that the policy does require you to undertake and keep a record of all consultations and treatments provided. Full details of your obligations are shown in the policy wording.             
  • Claims notification – There is a condition that all incidents that may give rise to a claim must be notified to Balens.
  • Instruments – There is a requirement to ensure sterilisation of instruments used for touching or piercing of skin, dealing with fluid spillage and disposal of clinical waste.
  • Qualification – You should be suitably qualified for the treatments / advice / therapies that you provide and evidence of such must be provided when cover is arranged or when a claim occurs.
  • Treatment by beauty therapists, cosmetologists and hairdressers – There are a number of conditions, including regarding patch tests, use of impermeable membranes where spillages may cause staining for the client, after care treatment advice and training / qualification requirements for certain treatments. Please see the policy wording for full details.
• Exclusions
  • Employers Liability Insurance.
  • Treatment / advice on any person under the age of 16 unless parental consent is obtained. Certain treatments do have an exclusion for under 18’s and details will be clear on any quotation / policy document provided to you.
  • Criminal acts.
  • Any fines, penalties or liquidated / punitive damages as a result of a contract, agreement or legal requirement.

All policies are subject to Terms and Conditions.